Ungakwazi ukunyusa ixesha lakho lemali ngokungazi ngokuqhubeka nokwenza izigqibo ezimbi zezemali, oko kukuthi uchithe imali xa kufuneka ubeke ukuchitha imali yakho.
Unokuzama ukuthethelela ukuthenga okuthe ngqo, ukulinganisa ukuba "uyayidinga" okanye ukuba ubomi abuyi kukhululeka ngaphandle kwayo. Kodwa, ngokuphindaphindiweyo kunoko, uya kulunge ngaphandle kokuthenga okunye. Khangela uluhlu lwezinto ongazifanele uyenze xa uphula.
- Thatha imboleko yemoto entsha , okanye nayiphi na isizathu esithile: Ukuba uthe waphula, awukwazi ukufumana enye intlawulo yenyanga kwaye yiloo nto uyenayo kwi-plate yakho xa ufumana imali mboleko.
- Hamba ngeholide elibi: Uqhekeza, awukwazi ukufumana ikhefu. Ukuba unemali egcinwe kwiholide, mhlawumbi into enxininayo ungayichitha loo mali kwixesha elidlulileyo ngenxa yeebhili okanye ukulungiswa kwemoto, umzekelo.
- Ukuboleka imali kumnye umntu, okanye ubhalele : Ukungaba nemali ngokwakho kuthetha ukuba nawe unayo imali kwabanye. I-Cosigning ifakwe apha ngenxa yokuba ukubolekisa imali-mboleko kukuvuma ngokunyanisekileyo uxanduva lokuhlawulwa kwenyanga ukuba omnye umqondiso angakwazi ukwenza.
- Yenza imali kwizinto ezingenanto: Enye yezinto ezinzima kakhulu ukuzenza, xa uqhekeza ngokukodwa, kukubuyisela imali yakho kwaye uyigcine kuphela kwizinto ozifunayo. Kubalulekile, nangona kunjalo, ukugcina imali yakho ibe yincinci de ukwazi ukuchitha ngaphezulu.
- Yidla kwiivenkile: Thenga ukutya kwaye ulungiselele ukutya kwakho ekhaya. Thatha isidlo sakho sasemini usebenze, nangona kuthetha ukuba kusele.
- Unomabonakude we-cable: amaninzi amanethiwekhi makunokubukela imiboniso ye-intanethi mahhala ngosuku okanye ezimbini emva kokubonisa umoya. Leyo yindlela enhle yokuhlala usesikhathini kunye nemiboniso yakho oyithandayo ngaphandle kweendleko ezongezelelweyo.
- Hamba uhamba kunye nabahlobo bakho : Awukwazi ukukwazi ukwenza oku ukuba uyaphule-ngaphandle kokuba ungayikhokheli ikhava kwaye ngandlela-thile ufumana iziphuzo zamahhala. Fumana uhlobo oluthile lokuzonwabisa nolonwabo.
- Bhatala ngaphezu kobuncinci kumakhadi wakho eemboleko : Ngokuqhelekileyo, icebiso liza kuba kukuhlawula ngaphezu kweyona nto ubuncinane ukuze uhlawule izilinganisi zamakhadi akho. Nangona kunjalo, ukuba unenkathazo yezemali, unokunciphisa kwiintlawulo, okwethutyana, ukwenzela ukuba wenze imali eninzi.
- Hambisa kwikhaya elibi kakhulu: Gcina iindleko zakho zokuphila ngokuphantsi. Ukuba uqeshiso lwakho lokuhlala kwindawo yakho ekhoyo lusondela ekupheleni kwalo, xela umninikhaya wakho ngokuyivuselela ngezinga elifanayo (okanye izinga eliphantsi ukuba ube ngumqashi ongcono.)
- Ungayihoyi iindleko zakho kunye nezitatimende zasebhanki: Ukungazi nto ayikho into evuyayo kule meko. Ngelixa intloko yakho ingcwatywe entlabathi, isiqhwithi sibheka yonke indawo kwaye awukwazi ukuwukhanyela ngonaphakade. Ukujongana nenyaniso yimeko yakho yindlela kuphela yokwenza ubuninzi balo kwaye uzame ukuphuma kuyo.
- I-akhawunti ye-Overdraft yokujonga: Ukuvumela ukuba ibhalansi yakho ibe yinto engafaneleko kuya kwenza imeko yakho yezemali ibe nzima. Awuyi kuhlangabezana neentlawulo zemali ye-overdraft kuphela, xa ekugqibeleni ubeka imali kwi-akhawunti yakho yokukhangela iya kudliwa ngumlinganiselo ongezantsi. Sebenza kanzima ukugcina ibhalansi yakho enhle.
- Bhatala iindleko zakho ngokukhawuleza: Iimfestile ezithengiweyo zongeza kwaye udle kwimali onayo. Ukuba ungephuli, ezinye iinkonzo ziyakunqanyulwa kwaye kufuneka uhlawule ibhalansi epheleleyo ngenxa yokongeza kwintlawulo yokubuyisana. Kulula, eshibhile, kwaye kungcono kumanqaku akho ekhredithi ukuze nje uhlale ukhoyo kumlinganiselo.
- Yenza sengathi unemali engaphezulu kunoko: Ukuba abantu bacinga ukuba unemali, baya kulindela ukuba usebenzise imali. Akufuneki ukuba uvumele abantu bazi ubunzima beemeko zakho zezezimali, kodwa ungazenzeli ukuba unayo imali yokuvuthela xa ungenayo (nakwiyakho).
- Yeka umsebenzi wakho ngaphandle kokuba omnye uqokelele: Ubuncinane nomnye umsebenzi kumgca, awuyi kuphelelwa ngumvuzo. Ukuyeka ngaphandle komnye umsebenzi kuyingozi.
- Sebenzisa ixesha lakho lokuzikhethela ukwenza into engabonakaliyo: Zininzi izinto onokuzenza ngexesha lakho lokungcebeleka ukwenza imali ethe ngqo-ngqo okanye ngqo. Umzekelo, unokufumana umsebenzi wesikhathi-sithuba, funda i-hobby-making making, okanye ufunde ukuphucula izakhono zakho ukuze ufune imali engaphezulu.
- Thetha kumlingane wakho malunga nemali: Ngokuqhelekileyo kuthiwa yimali yenye yezona zinto ezibangela umtshato. Ukugcina iimfihlelo malunga nemali kuya kubangela ingozi ngaphezu kokulungileyo.
- Sebenzisa imali yakho okanye imali engxamisekileyo kwizinto ezingenasiphumo: Ukuba unayo imali, yenza ukuba ihlale ixesha elide kunokwenzeka. Qaphela kakhulu oko uhoxisa imali. Qinisekisa ukuba iindleko eziyimfuneko kwaye azikho izinto ezintle.
- Inkunkuma yombane okanye amanzi: Ezi ziinkonzo ezimbini zombuso onokulawula ngazo. Vala izibane ongayisebenzisiyo. Ungavumeli amanzi agijime. Sebenzisa abakhuseli bokukhusela kunye nokuwayeka xa ungasebenzisi ezo mveliso. Geza iimpahla zakho emanzini abandayo. Gcina imali eninzi njengoko unako kulezi ndleko.
- Thatha iindleko ezintsha, iindleko eziphindaphindiweyo: Ngeli nqanaba, imeko yakho yezemali ayiqinisekanga ukuba uthathe uxanduva olutsha.
- Yenza indawo ye-Drive ngokungadingekile: Hlanganisa iimpawu kwaye unciphise ixesha lokuqhuba ukugcina imali kwi-gesi. Unokuthabatha uhambo lwezothutho, ukuhamba, i-carpool, okanye ukukhwela ibhayisikili ukuze unciphise imali oyisebenzisayo kwigesi.
- Hamba kwimihla eninzi: Kuninzi lweengcamango ezincinci nezikhululekile-njengemifanekiso ye-movie evela kwilayibrari (ewe, banezo!), I-popcorn kunye ne-10 yewayini. Akufuneki ukuba uphule iibhanki rhoqo xa uphuma-kwaye xa ukwenza, kufuneka ucinge kwakhona ngomntu othandana naye.
- Ukuhlawula iinkonzo zokubhaliselwa: Iinkonzo zobhaliso zivame ukungezelelwe. Ukukhansela iindleko eziphindaphindiweyo zezinto ezifana nomsakazo we-satellite, ukubeka iliso kwi-credit, Netflix, Hulu, kunye neklabhu yebhola. Ewe, kuya kufuneka ufundiswe ubomi ngaphandle kweenkonzo zakho kodwa uya kugcina imali.
- Bhatala ukuba uhlambe imoto yakho, indlu yakho ihlambuluke, okanye ingca yakho inqunywe : Musa ukuhlawula omnye umntu ukuba enze izinto onokuzenza. Ukuhlawula umntu kunokulondoloza ixesha elithile kunye nomsebenzi, kodwa xa unemali, ungeke ukwazi ukuhlawula ezi zinto. Ukuba unokubhinqa, yile ibali ehlukileyo.
- Ulawulo ngaphandle kwexesha lomsebenzi: Yenza imali eyongezelelweyo xa unako. Cinga ukufumana umsebenzi wexeshana kwimini okanye ngeveki. Ukuba uyayiphatha kakuhle, imali eyongezelelweyo inokukunceda ukukhupha ngaphandle kwengxowa yakho yemali.
- Thenga izipho ezibizayo-okanye nasiphi na isipho: Ukuba ieholide, imihla yokuzalwa, okanye ezinye izihlandlo ziya kuza, qwalasela uhlahlo lwabiwo-mali phambi kokuba uhambe. Hlola indlela ongayichitha ngayo ngaphandle kokuphazamisa ngokupheleleyo ibhalansi yakho yasebhanki. Ukuba awukwazi ukuthenga nto nantoni na, faka ingcinga kwisipho onokuyenza.
- Yenza iinwele eziqhelekileyo, isikhonkwane, okanye i-aphoyintimenti ye-spa: Unokwenza izipikili zakho kwaye uzibeke ubuso kwiqhezu zeendleko oza kuhlawula uchwepheshe. Akunakwenzeka ukuba ukwazi ukuzinyusa iinwele, kodwa unokuhamba ixesha elide phakathi kweerhafu, isib. Inyanga okanye ezimbini endaweni yesonto.
- Ukufumana ikhofi kuyo nayiphi na enye ngaphandle kwekhishi lakho okanye igumbi lokuphumla emsebenzini: I-habit yakho ye-4-cup-day-day ifanelekile ukuba uyaphula xa ungaphantsi kweedola ezili-100 ngenyanga ukuba uthenge indebe imihla ngemihla. Yaye ukuba uthenge ngaphezu kweyodwa ngosuku, usebenzisa imali eninzi. Ungathenga inkqubo enye yokukrazwa kwekomiti malunga nokuba luninzi kwaye ulondoloze itoni yemali inyanga nganye emva koko.
- Thenga amadivaysi amashishini omatshini: Awunakufumana ixesha lokuphula kwisixhobo phambi kokuba unesitsha, esilula kakhulu kunye neskrini esingcono. Melana nesilingo sokuqhubeka kunye nezixhobo zakamuva. Utshintsho luhlala luncinci kangangokuba awufumani inzuzo enkulu ngokutshintshela kwinguqu entsha.
- Thenga izinto zokusebenza, imidlalo, okanye eyongezelelweyo kumadivayisi osuke unayo: Ahem, i-candy iyanqumla umlutha. Kulula kakhulu ukuthenga ii-apps; awunakuqonda nokuba usebenzisa imali ngenxa yokuba yongezwa kwi-bill yakho yefowuni, ehlawuliswe kwikhadi lakho lesikweletu, okanye echithwe kwi-akhawunti yakho yasebhanki. Ungazami ukunciphisa oko uchitha kwizinhlelo zokusebenza, musa ukuchitha nantoni na.
- Thenga i-cigarettes imihla ngemihla: I-pack ye-cigarettes ephantsi kakhulu e-United States yimizuzu embalwa engaphantsi kwama-5. Ixabiso elininzi li- $ 14.50 ipakethi eNew York . Ukutshaya ipakethi ngosuku kunokuhlawula i $ 150 ukuya kwi-435 ngenyanga okanye i-$ 1,825 ukuya kuma-5,293 ngonyaka. Akuyona umkhwa umntu odilikayo unokukwazi ukufumana.
- Ukuqeshisa isithuthi esininzi kakhulu: Ukuba usondele ekupheleni komqashiso wakho wemoto kwaye uceba ukuqeshisa omnye, ungahambi nesithuthi esininzi kakhulu, ingakumbi ukuba unenkathazo yokwenza iintlawulo zokuqeshisa kwakho kwangoku. Ingaba kufuneka uqeshe okanye uthenge imoto yakho yinto ehluke ngokupheleleyo.
- Thenga iingubo oza kuzingxiba kanye kuphela: Izihlandlo ezithile ziya kubiza i-ensembles ukuba unokugqoka kuphela ixesha elilodwa. Zama ukuphepha ezi zihlandlo ukuba awukho kwindawo enhle, ngokwezimali. Ukuqeshisa (okanye ukuboleka) ingubo ingabizi. Okona kunjani imeko, yithenge, qinisekisa ukuba uyigcina imeko efanelekileyo, kwaye uyithengise ngokukhawuleza emva koko, kwi-Craigslist, umzekelo.
- Thenga ukuvumelanisa kwi-movie: Amathikithi e-movie axabisa kwaye ndiyakwazi ukuthetha ukuba akufanele uhambe kwiimvumi xa usuqhekekile. Kodwa, ngokuqinisekileyo akufanele uthenge iziphuzo eziphambili, i-popcorn, okanye i-candy kuma-movie. Ewe, i-theater yenza ininzi yayo inzuzo ekuthengisweni kwemvume, kodwa ukuba unesigxina semali, awukwazi ukukwazi ukufaka isandla kwisiseko sayo.
- Ukuthabatha i-hobby entsha, ngaphandle kokuba mhlawumbi ungenza imali kuyo: i- Investopedia icwangcisa izinto ezithandekayo ezinhlanu: ukudansa ibhola, ukukhwela kwezulu, ukukhuphuka kweentaba, ukukhuphuka kweentaba, kunye nokuhamba nge-scuba. Ngakolunye uhlangothi, ukuba unako ukufumana inzuzo kwi-hobby yakho, kunokufanelekile. Iingcamango zokuzilibazisa ezizuzileyo: thengisa imveliso yakho okanye ufundise iiklasi kwidrafti yakho, unikezele iinkonzo zentengiso okanye uthengise iifoto zezithuthi zakho kwi-intanethi, okanye ube ngumkhenkethi okanye umcuphi.
- Gamble: Ukugembula akunakumbono olungileyo - unokuqhuba abantu ngokufanelekileyo kwimali kwizindlu ezihluphekileyo. Kodwa xa sele usuqhelile, ukugembula kuyisimo esibi, ngakumbi ukuba ucinga ukuba ukugembula kuya kutshintsha imeko yakho. Kuyingozi kakhulu, iingxaki zichasene nawe, kwaye iindleko zokulahlekelwa zikhulu kakhulu - kungakhathaliseki ukuba uluhlobo luni lokugembula ozikhethayo.
- Bhatala iindleko zomntwana wakho omdala : Ukunika imali kubantwana bakho kukubeka ukhuseleko lwakho lwezezimali, ingakumbi ukuba ulibazise iindleko zakho kunye nokulondoloza, okanye uhoxise kwi-stash yakho yokugcina okanye yokuthatha umhlalaphantsi. Ukuba abantu abadala kwaye banako ukusebenza, kufuneka bazincede. Kungenzeka kubekho okungaqhelekanga, kodwa ukuxhasa abantwana abadala akufanele kube ngumgaqo.
- Yichitha imali kwiingubo, izihlangu, iifowuni, izixhobo zokusebenza, njl. Eningayifuniyo : Amathuba kukuba, ukuba sele unayo yale nto, awuyidingi enye. Melana nesilingo sokuqhubeka sithengisa, ngokukodwa izinto zonyaka kunye nezobugcisa. Ukuba unengxaki yokuthenga, thabatha amanyathelo athile ukuze uzigcine uchitha imali - njengokuba ukhulula amakhadi akho ekwereta okanye uwakhansele.
- Thenga iincwadi ezintsha , ngokukodwa xa ithala leencwadi likhululekile kwaye iilayibrari ezininzi zineencwadi ezikhoyo zokukhangela nokufunda kwi-tablet yakho oyifunayo okanye e-reader. Unako ukuboleka iincwadi ezenziwe ngabahlobo bakho.
- Cinga ukuba imeko yakho yezemali iya kuzilungisa: Imali yakho ayiyi kuguqula ngokwayo. Unokwenza imeko ibe bhetele ngokusika iindleko zakho kwaye ufuna iindlela zokwandisa umvuzo wakho.
- Namathela kwimikhuba yakho yokuchitha imali: Imichimo yakho yemali endala ibancede ukuba negalelo kwimali yakho yangoku. Uya kufuneka uguqulwe ukuba ufuna ukuphucula imali yakho. Cinga ngokucokisekileyo indlela ochithe ngayo kwaye wenze utshintsho ukuze ungafanele uchithe ngonaphakade.